When the current year's balance on your health insurance card is used up, it does not mean that you will not continue to be reimbursed by medical insurance. In fact, the absence of money in the medical insurance card is only the use of funds in the personal account, which does not affect the reimbursement of the overall account. The basic medical insurance for employees implements a three-stage settlement method for outpatient medical expenses, namely the account segment, the self-borne segment and the co-negative segment. In each employee medical insurance year, the individual outpatient medical expenses are first paid from the personal account, and when the funds in the personal account are used up, they will enter the self-responsibility segment, and they need to bear part of the expenses themselves. However, as long as you continue to pay your employee medical insurance on time, you can still use your medical insurance card to see a doctor and continue to enjoy medical insurance reimbursement.
In addition, the funds in the medical insurance card** are jointly paid by individuals and units. Specifically, the basic medical insurance** paid by the individual will be fully transferred to the personal account, while the part paid by the unit will be transferred to the personal account on a pro-rata basis.
In short, running out of funds in your health insurance card does not mean that you have lost your health insurance coverage, but you need to bear some of the costs yourself. When using it, it is recommended to keep abreast of medical insurance policies and relevant regulations to ensure that your rights and interests are protected.